That all sounds nice, but it leaves out one important part: Human beings are hard wired to look out for number 1. With that comes the awesome basic of greed. While "You can only imagine if the human race wasn't concerned with how to pay for mortgages, car loans, transportation, heating, electrical bills, education, health care, etc.." sounds promising, humans will just find something else to want for, something else to buy to excess, something else to screw things up.
The system you've described sounds great, and were the world comprised of Mother Teresas and Mohatma Ghandis then it may work. But even if it were, someone would find a way to place personal gain at the forefront and screw the whole process up.
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